Question 1

What DSCR ratio do I need to qualify in Dublin?

Accepted Answer

Most lenders want a DSCR of 1.1 or higher. Some programs allow 1.0, but expect tighter terms and a higher down payment.

Question 2

Can I use projected rent instead of current rent?

Accepted Answer

Yes — lenders typically accept a market rent appraisal. The appraiser provides a rent schedule that the lender uses to calculate your DSCR.

Question 3

Do I need to be an LLC to get a DSCR loan in California?

Accepted Answer

No. You can close in your personal name. Some lenders allow LLCs, but not all — this varies by program.

Question 4

How does an HOA affect my DSCR in Dublin?

Accepted Answer

HOA dues get added to your monthly debt obligation. A high HOA can push your DSCR below 1.0 even when rent looks strong.

Question 5

Are DSCR loan rates higher than conventional rates?

Accepted Answer

Yes. DSCR is a non-QM product, so rates run higher than conventional investor loans. Rates vary by borrower profile and market conditions.

Question 6

Can I buy a short-term rental in Dublin with a DSCR loan?

Accepted Answer

Some lenders allow it with 12 months of documented STR income. Others underwrite at long-term market rent regardless of your Airbnb history.

DSCR Loans in Dublin, CA — Qualify on Rent, Not Income